848 McClelland Dr UNIT U4WindsorCA95492
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderAt $609,900, 848 McClelland Dr UNIT U4, Windsor, CA, 95492 in Windsor generates $3,840/mo in rent (7.56% yield) but nets only $67/mo after debt service. The spread is thin, manageable for investors comfortable with low-margin holds who are buying into the 5% annual appreciation thesis. Ziffy Mortgage's DSCR loan (1.40) allows non-U.S. residents to acquire without personal income checks. A larger down payment reduces the monthly debt load and widens the margin. Five-year appreciation: $168,504. Total projected return: $235,627.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $67 | $400 |
City averages based on Windsor market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,840 |
| Total Monthly Debt Service | $3,530 |
| DSCR Ratio | 1.09x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95492, Windsor, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,446 (100%) |
| Owner Occupied HU | 7,510 (71.9%) |
| Renter Occupied HU | 2,334 (22.3%) |
| Vacant Housing Units | 602 ( 5.8%) |
| Median Home Value | $784,144 |
| Average Home Value | $797,671 |
Housing Distribution
Address Breakdown
Residential
9,923
Single Family
9,504
Multi-Family
419
Businesses
987
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Condo
Built in 2003
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95492, Windsor, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 10,446 (100%) |
| Owner Occupied HU | 7,510 (71.9%) |
| Renter Occupied HU | 2,334 (22.3%) |
| Vacant Housing Units | 602 ( 5.8%) |
| Median Home Value | $784,144 |
| Average Home Value | $797,671 |
Housing Distribution
Address Breakdown
Residential
9,923
Single Family
9,504
Multi-Family
419
Businesses
987
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Luigi Caprio • Luigi Caprio Realty
Mls Name: MetroList Services of CA
Mls ID: #325062206